Best SBA 7(a) lenders for offices of mental health practitioners (except physicians)
The top SBA 7(a) lenders for offices of mental health practitioners (except physicians) (NAICS 621330) are The Huntington National Bank, TD Bank, National Association, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 2,130 loans totaling $531.1M to businesses in this industry. Average loan size: $249K. Average rate: 9.59%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.06%.
Loans
2,130
Total $
$531.1M
Avg loan
$249K
Avg rate
9.59%
Avg term
147 mo
Industry chg-off rate
1.06%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 228 | $34.5M | $151K | 8.99% | 0.74% |
| 2 | TD Bank, National Association | 161 | $14.7M | $91K | 10.79% | 2.86% |
| 3 | Northeast Bank | 127 | $12.8M | $101K | 10.93% | 11.11% |
| 4 | Readycap Lending, LLC | 112 | $17.1M | $152K | 12.68% | 0.00% |
| 5 | BayFirst National Bank | 94 | $12.0M | $128K | 11.76% | 3.33% |
| 6 | Wells Fargo Bank National Association | 75 | $9.7M | $129K | 10.34% | 0.00% |
| 7 | U.S. Bank, National Association | 68 | $11.2M | $165K | 8.72% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 66 | $17.7M | $268K | 10.29% | 0.00% |
| 9 | Newtek Bank, National Association | 62 | $23.6M | $380K | 11.83% | 0.00% |
| 10 | Bank of America, National Association | 62 | $23.7M | $383K | 6.49% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 57 | $4.1M | $73K | 11.05% | 3.70% |
| 12 | Celtic Bank Corporation | 48 | $8.0M | $167K | 10.08% | 0.00% |
| 13 | Cadence Bank | 35 | $10.0M | $286K | 9.27% | 6.25% |
| 14 | PNC Bank, National Association | 30 | $6.9M | $230K | 8.27% | 0.00% |
| 15 | Harvest Small Business Finance, LLC | 28 | $20.8M | $742K | 9.29% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 621330. Charge-off rates are calculated on the FY2020–FY2023 cohort only.